Last Fall, I sent our clients a letter about recent market volatility and underlying drivers. I discussed interest rates and the Fed, China and Europe, geopolitics and global trade negotiations, among other things. The drivers may change—as they always do—but your response to these ever-changing events does not have to.
While many of us actively plan for retirement, only a small fraction of American workers actively plan for the possibility of becoming disabled. Before you decline to purchase a short-term or long-term disability plan, consider some of these facts:
Reverse mortgages have been around for a long time, but in recent years they have become more popular. Though some experts consider a reverse mortgage a last resort of sorts, depending on your own financial situation, a reverse mortgage may be helpful.
It’s certainly no secret that healthcare costs have escalated in recent years, and there’s no reason to believe that the end is in sight. But whether you have a comprehensive health insurance policy or have purchased a catastrophic policy, there are ways to save on healthcare costs.
Here are just a few:
As college tuition continues to rise to unprecedented levels, student loan debt continues to rise as well. Between 1980 and 2016, tuition at public universities jumped 344 percent, while private universities saw tuition rise 241 percent.
If you’re approaching retirement age, you may be considering a move to a more retirement-friendly state, particularly if your current state of residence imposes numerous taxes on social security, pensions, and other retirement income.
There’s a saying in our industry, “Sell in May and Go Away” which relates to the historically lower seasonal returns between Memorial Day and Labor Day. Interestingly, the phrase originated from an English saying, “Sell in May and go away, and come on back on St. Leger’s Day.”
Business owners who have acquired a lot of personal assets face the possibility of having their assets targeted by creditors who want to resolve a business liability. This is especially true in the case of a business owner who guarantees a debt of the business with his personal assets.
Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance. However, every decision to buy life insurance begins with deciding what is the right amount of life insurance. And, integral to determining the right amount of life insurance is understanding the role of your Social Security Survivorship Benefit (SSSB).
Dear clients and friends,
Enjoy our latest newsletter focused on our investment outlook and this quarter's investment outlook: Technological Innovation and Disruption.
We also discuss the ins and outs of Health Savings accounts and why it's essential to take advantage of their triple tax benefits.